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For businesses that accept credit cards, the merchant account statement represents the sum of three basic types of charges: interchange, assessments and markups. Understanding the rates and fees that you are paying is one way to make sure you’re getting the best products and services for your credit card processing needs.

If you’re an online merchant, you’ve probably heard about electronic payment gateways in reference to credit card processing, and you may even use one. However, there may be some confusion in your mind as to what exactly a payment gateway is and how it differs from a virtual terminal. TransFirst® has the information you need to clarify the situation.

Selecting the best merchant account provider for your business is a critical move that requires some time and effort on your part. At TransFirst®, we believe the process starts with an honest assessment of your business and the type(s) of credit card processing options it requires — traditional retail, e-commerce, mobile, wireless, dialup and so on.